lowell/BW legal - SD on the way 28th - help very new!!

[mazza1969]

I owe Littlewoods the amount of £7442,82 which is the result of years of buy now pay later and hideous amounts of interest being added,

 

they and other debt firms have written and called consistently

but after losing a close member of my family just over a year ago,

 

I kind of lost the plot and ignored all contact.

 

My husband was handed a letter 24/1 from a man who called and asked for me,

the letter states that on the 28/1 he will be calling back and I will be served with a Statutory Demand issued under the insolvency Act 1986,

 

I have a mortgage so too say I am terrified is an understatement,

 

please help and advise what action I should take?

Thank you,

Mazza1969

[dx100uk]

have you all the statements?

 

dx

[mazza1969]

Hi, No my statements used to be online, I no longer have access to the account as it has been closed.

[dx100uk]

get an SAR off to shop direct ASAP

 

i bet its got lots of PENALTY charges to reclaim

 

and PPI?

 

who is serving the SD ..lowells?

 

dx

[mazza1969]

Lowells was the last correspondence I received on the 4th Jan but the reference on the letter off the process server says BW legal

[dx100uk]

yea usual lot

 

have a read in this forum [legal i've moved it there]

 

you are one of about 10 a month!!

 

dx

[unclebulgaria67]

As the SD has not been served, it is worth sending a CCA request to Lowells or BW Legal (whoever is dealing with the account). If they cannot provide the CCA, you can then use this in any set aside.

 

http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter.

[DonkeyB]

As the SD has not been served, it is worth sending a CCA request to Lowells or BW Legal (whoever is dealing with the account). If they cannot provide the CCA, you can then use this in any set aside.

 

http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter.

 

Bang on, Uncle – get the dispute in before any SD is served. Any dispute raised AFTER the SD is served may be ignored by a judge at a set aside hearing.

 

And yet another Lowell SD. The OFT really must do something about these cowboys. They are issuing SDs like confetti as a debt collection tool, which is an abuse of process.

[mazza1969]

Thanks for all your help, CCA request in the post, I dont ever remember signing an agreement though, should I just avoid the processor tomorrow so he cannot serve the papers to me or accept them?

[dx100uk]

they'll only post them too you anyhow.

 

dx

[42man]

Some great advice given.....please keep us posted.

[DonkeyB]

Yes – make sure they have the CCA request in their mitts, provably by RD, before you are served.

[Dotty50]

It's strange how there doesn't seem to be any consistency in how they work.

 

My OH answered the door a couple of months ago and the guy who stated he was from BW legal asked for me but was told that I wasn't available, so he walked away without any problem. After reading on here the that they are issuing SD's like confetti, I sent a CCA request to Lowells.

 

No response has been received from Lowells but a letter came from BW (approx 30 days later) enclosing a few random statements but nothing more and no mention of my CCA.

 

I have since sent the 'Account in Dispute' letter and await their response.

[mazza1969]

Fabulous site, fantastic advice thanks everyone, we will just await their next move

[paulwlton]

What year was the Littlewoods account opened?